If you're an existing user go to https://online.meethaq.om/English and Click on "Retail Login"

• Enter your existing Internet Banking User ID, Password and click on the Login button.
• After the successful login,you will be asked to change your password then you will be able to use the same User ID & Password on both Internet and Mobile Banking for all your future logins.

• After completion of the first time login process on the new Meethaq Mobile Banking channel first, then you will be able to use the same User ID & Password on both Internet and Mobile Banking for all your future logins

• Enter your existing Internet Banking User ID, Password and click on the Login button.
• After the successful login, you will be asked to change your password then you will be able to use the same User ID & Password on both Internet and Mobile Banking for all your future logins.

• After completion of the first-time login process on the new Meethaq Mobile Banking channel first, then you will be able to use the same User ID & Password on both Internet and Mobile Banking for all your future logins
• Please note that your old Internet banking User ID will no longer be valid after completion of the above step using Mobile Banking.

• This step is required and valid for all existing Meethaq customers to reinforce the security of your channel account.
• After the successful login, you will be able to use the same new Password on both Internet and Mobile Banking for all your future logins.

Internet Banking registration is easy and completely secure and will only take a few minutes to complete. Visit https://online.meethaq.om/English Click on "Retail Login" and go to "Register Now" option and follow the steps indicated.

• Enter Your Debit Card Number, PIN and the verification code.
• Click on the "Generate OTP" button to get the One Time Password (OTP) on your Registered Mobile Number registered with the Bank.
• Your Internet Banking User ID will be displayed on the screen. You will be able to set a new Password and login immediately to Meethaq Online Banking.
• You will be able to use Mobile Banking with the same User ID and Password.

To use this service, you should:

• Have an existing account with Meethaq.
• Have an Active Debit Card.
• Have a valid mobile number registered with the bank.
• Should belong to a Retail individual customer.

• There are no extra charges for usage of Internet Banking. However, normal product fees and transaction related charges continue to apply.

Yes. This service is available 24 hours a day, 7 days a week.

You may face trouble during Online Registration for the following reasons:

• 1. You may be entering the Debit Card Number of a card which is not active.
  • Please get in touch with 2465 6666 for assistance.
• 2. You may be entering the correct Debit Card Number but incorrect PIN
  • Please verify your PIN and ensure the correct PIN is entered.
• 3. Your mobile number may not be registered or having invalid mobile number in bank's record.
  • Please visit your Meethaq branch or contact 2465 6666 for mobile number updation.
• 4. You are a Joint Account Customer.
  • Please visit your Meethaq branch and provide request for Internet Banking Registration.
• 5. You have entered SMS OTP incorrectly for 5 times and the registration facility has got locked.
  • Please get in touch with 2465 6666 to unlock the same.
• 6. You are a Minor/Child Customer.
  • You are not eligible for Meethaq Internet Banking.
• 7. You are already a registered customer.
  • Please use "Trouble Logging in?" option to know your User ID or to reset your password.
• 8. You are using Credit Card or Pre paid card or Corporate Card.
  • You are not eligible for Meethaq Internet Banking.
• 9. You are a Bank Muscat Customer.
  • This is the Islamic Meethaq Internet Banking. Bank Muscat customers will not be able to register here.

If you forget your Internet Banking User ID, Click on "Trouble Logging In?" Option available in the login page and follow the below steps.

• Enter Your Debit Card Number, PIN and the verification code.
• Click on Generate OTP button to get the One Time Password (OTP) on your Registered Mobile Number registered with the Bank.
• Your Internet Banking User ID will be displayed on the screen.

If you forget your Internet Banking Password, Click on "Trouble Logging In?" Option in the login page and follow the below steps.

• Enter Your Debit Card Number, PIN and the verification code.
• Click on Generate OTP button to get the One Time Password (OTP) on your Registered Mobile Number registered with the Bank.
• You will be able to set up a new password to continue with your Internet banking.

• Yes, you can create your own personalized User ID for Internet Banking using the option "My Profile-> Change My User ID.

• Yes, you can change your password using the option "My Profile-> Change Login Password" anytime to ensure security.
• When changing your Password make sure that you set up something that no one could guess. You must memorize your Password and never write it down. These important steps will prevent unauthorized individuals from accessing your financial information.

• Minimum length of the password should be of 8 characters.
• Maximum length of the password cannot exceed 28 characters.
• Password should be a combination of alphabets and numbers.
• History of last 3 passwords should not be repeated.
• Spaces are not allowed in between Password.

• You will receive an error message if you enter an invalid password.
• You have 5 attempts to enter the correct login password. Entering wrong password on 5th time will lock your User ID.

• You can easily Unlock your User ID by resetting your password online using the option "Trouble Logging in?" available in Login Page.

• Yes. You can see a summary of your accounts at the "Overview" screen once you have logged-in to Internet Banking.

Yes, you can view the latest transaction or historical transactions belonging to all your

• Accounts
• Deposits
• Credit cards

Yes, you can download your transactions for the following products into PDF or XLS format using the option "Download Details As" to save the information for your tracking.

• Current and Savings Account
• Credit cards
• Deposits

• Go to Accounts-> Savings.
• Click the option "Detailed Statement" to see the transaction using date filter.
  Or
• Click the option "Mini" to see your last 10 transactions.

• Go to Accounts-> Current.
• Click the option "Detailed Statement" to see the transaction using date filter.
  Or
• Click the option "Mini" to see your last 10 transactions.

• The two balances that appear on your account details screen are your Account Balance and Available balance(exclusive of blocked amounts).
• Account Balance shows how much total money you have in your account now.
• Available Balance shows how much money you can take out of your account immediately.

• Go to My Accounts->Deposits.
• Click the option "Transaction History" against your deposit to see all transactions.

• Credit Card Outstanding Balance enquiry
• Credit Card Details
• Credit Card Transaction History
• Credit Card Payment
• Credit Card Billed statement
• Credit Card Unsettled Transactions enquiry.
• Credit Card EPP - Easy payment plan(s) enquiry.

• Go to Accounts > Credit Card and click on Credit card Number
• You can see the details related to Total Credit Limit, Available Credit Limit, Payment Due Date, Minimum Payment Amount, Amount Overdue etc

Secure Mailbox is an email service that enables you to send enquiries or comments to us securely and confidentially.

Mailbox feature menu allows you to:

• Check your inbox for received mails
• Send a Mail
• Reply to a Mail
• Delete a Mail

When you receive a Mail from the bank a number indicator will be displayed in the option "Mailbox" indicating that you have new messages.

Please refer the Subject drop-down list provided when you compose an email to the Bank. You can submit enquiries or requests related to Accounts, Credit Cards, Statements, Debit Card, Cheque Books, Credit Card and Online Banking Services or provide general feedback.

For security reasons, it is not recommended to send attachments of documents or images are allowed with the secure mail message. Likewise, responses from the Bank will not include attachments.

The Bank will respond to all enquiries, feedback and requests within 3 working days.

No. For security reasons, we do not accept any instruction relating to financial transactions through the Secure Mail Box.

• You can compose an email and send to us via the Secured Mailbox (or)
• Email us at meethaq@bankmuscat.com (or)
• Through a feedback screen shown after you have logged out successfully (or)
• Through feedback feature in the main menu of Internet banking.

You can customize your Online Banking welcome message by entering your preferred name in the "Nick name" field available in the option "My Profile -> Set Preferences".

Follow the guidelines below for entering your greeting:

• Enter any name up to 30 characters, including spaces, in the field provided.
• Click on Update button to confirm your changes.
• Please logout after setting up of your Nick name and re login. Your custom greeting will appear immediately in the Overview page within Internet Banking.

Yes, you can give nicknames to your accounts for easier tracking and monitoring. Choose "My Profile> Set Preferences "

The Account number selected here will appear on the top of the list while initiating any transactions. You can choose the primary account number through the option "My Profile->Set Preferences"

You can set your favourite accounts through the option "My Profile->Set Favourite Account". Accounts will be listed in the same order in Account Summary, Transfers and payments.

When you are finished with your Internet Banking session, you should log out using the Log Out button at the top right hand side of the screen and close your browser window. For added security, if you are inactive for 10 minutes, the session will automatically log you out.

It is a small device the size of a half credit card which is designed to provide you with additional protection for your Online Banking Transactions. It provides an extra layer of security to your Internet Banking to help prevent frauds internet attacks.

Secure Token is compulsory for retail Internet banking .

Simply visit us at any of our Meethaq branches and collect your Meethaq Secure Token.

• Firstly you need to setup a new PIN as per the instruction on Secure Token kit.
• Secondly you will need to activate your Secure Token. Simply log on with your User ID and password and go to Customer Service > Activate Secure Token and follow the onscreen instructions.

Please click here to see the complete features of Secure Token.

You will need to use your Secure Token to perform all financial transactions and most of non-financial transactions.

You will be prompted with on-screen instructions to use the Secure Token for the following transactions

• 3rd party account within Meethaq
• Local bank within Oman
• International Funds Transfer
• Payment to 3rd party Credit Card
• Change of any Personal data.
• Bill payment.
• Charity payment.
• Wallet topup.
• Service requests
• Etc...

Yes, you can carry your Secure Token along with you when traveling overseas and access all our Online Banking services anywhere, any time.

No. The Secure Token will be issued to you free for the first time as part of our commitment to our customers.

You will need to apply for a replacement Token by visiting your Meethaq branch. A nominal charge will be applied.

The Secure Token comes with auto-power off feature. There is no need to power off the Secure Token.

Yes, you can update the below personal details instantly through the option "My Profile -> View Profile"

• Phone Number.
• Postal Address.
• Mobile Number.
• Email ID.

Yes you can. Go to the "Customer Service" option and select the "Block Debit Card" Section.

Yes you can. Go to the "Customer Service" option and select the "Block Credit Card" Section.

You can now open a Fixed Deposit online through Meethaq online banking, Simple go to Customer Service > Service Request > Accounts > Open Fixed Deposit

• Enter the Deposit Amount
• Choose the duration of your Fixed Deposit.
• Select the account from which funds will be used to open your Fixed Deposit Account.
• Select the appropriate Renewal Instruction details and click on Continue.

You will now be displayed a summary of all the details entered by you. Click on 'Submit' to open your Fixed Deposit.

You can open a Fixed Deposit with a minimum of RO 1000.

• If you would like to know the latest tenors and Profit rates offered by Meethaq for Fixed Deposits, click on 'Fixed Deposit Profit Rate Calculator'.
• The calculator provides indicative rates of the maturity value. Rates are subject to change from time to time.

For additional terms and conditions please visit the nearest Meethaq branch for details.

In case you want to pre close the deposit or change your maturity instruction, please visit your Meethaq branch and provide a written request.

You can place an offline request for the following products

• Finances
• Insurance
• Credit Card

You will be contacted by our Meethaq representative to fulfill your request and answer your queries.

You can now Block your Meethaq Debit Card through Internet Banking in case your card is lost or stolen. Follow these simple steps to immediately block your card:

• Go to "Customer Service > Service Request > Debit Cards > Block Debit Card"
• Select the Card, you wish to block and click "Submit". Verify the details and confirm
• A success message would be displayed after successful blocking of your Debit Card.

You can now Block your Meethaq Credit Card through Internet Banking in case your card is lost or stolen. Follow these simple steps to immediately block your card:

• Go to "Customer Service > Service Request > Credit Cards > Block Credit Card"
• Select the Card, you wish to block and click "Submit". Verify the details and confirm.
• A success message would be displayed after successful blocking of your Credit Card.

You can give a request for cheque book online through "Customer Service > Service Request > Accounts > Request New Cheque Book". An SMS will be sent on your registered mobile number when Cheque book is ready for collection.

You can place an Online request to link additional accounts to your debit card through the option "Customer Service > Service Requests-> Link Debit Card to Multiple Accounts".

No, you can only link your Meethaq Debit Card to an active account.

You can link your card upto Maximum of 4 active accounts at a time.

• Go to "Customer Service > Service Request > Debit Cards > Enable International Access"
• Select the Debit Card.
• Select Start Date and End Date
• Select countries for which the access should be enabled & Continue
• Verify the details and Click "Submit"

This request will ensure that your debit card is enabled for ATM and POS transactions in all selected countries for the selected date range, this will not impact any Online Transactions (like e-commerce site).

• Go to "Customer Service > Service Request > Debit Cards > Disable International Access"
• Select the Debit Card and continue.
• Verify the details and Click "Submit"

This request will ensure that your debit card is disabled for ATM and POS transactions in all countries (other than Oman), and will not impact any Online Transactions (like e-commerce site).

• Go to "Customer Service > Service Request > Debit Cards > View/Delete – Enable Access Requests"
• Select the Debit Card and continue.
• Verify the details and Click "Submit"

This request will ensure that your debit card is enabled for ATM and POS transactions for the selected countries.

Go to “Customer Service > Service Request > Debit Card > Debit Card Issuance”

Choose the following from dropdown:

• Debit Card (Product segments as per customer eligibility)
• Account (OMR Primary account to be linked to debit card)
• Card Embossing Name (Default customer name)
• Reason
• Delivery Branch

• Go to “Customer Service > Service Request > Miscellaneous > Safe Box Request”
• Choose the following from dropdown:
•     • Branch
•     • Available safe boxes
• Once request submitted, the safe box will be reserved for you for 48 hours and you may go to the branch to confirm the order and collect your keys.

• Go to “Customer Service > Service Request > Accounts > Opening Saving Plan”

• Choose the following from dropdown:

• a. Plan Type
• b. Purpose
• c. Saving Plan Period (in years)
• d. Payment Frequency
• e. Liquidation / Maturity Account
• f. Debit / Funding Account Number
• g. Contribution amount (Applicable for fixed plan type).
• h. Goal amount (Applicable for Goal plan type).
• i. Initial Deposit Amount.
• j. Accept terms and conditions

• Enter OTP

• New account number will be displayed, and can be found in “Accounts” > “Deposits”

Yes, you can change your credit card repayment percentage using Change Credit Card Repayment in Requests.

• o Go to “Requests” > Credit Cards > Change Credit Card Repayment.

You can now open a Savings Account online through Meethaq Internet banking, Simply go to Requests >Accounts > Instant Savings Account Opening

• Select Account Currency
• Select Reason for account opening
• Select Source of funds
• Select Your current Account with Meethaq (signature provided for this account will be used for the new account to be created).
• Select Branch for the new account
• Read Terms and Conditions and accept the same.
• Click on Next Button and verify the details.
• Input the OTP.
• Click on Submit.

• You can open Premium savings account.

• Only OMR, AED, and USD accounts are allowed.

• The account will be opened instantly. You will need to logout and login again to be able to see the new account

• Yes, once the account opening is successful, you need to logout and login again, after that you can start performing transaction to the account.

• You can link the debit card to your new account by placing the request through " Requests > Debit Cards > Link Debit Card to Own Accounts".

• If you are falling under one of the below mentioned conditions, you will not be permitted to open account online, you will have to contact your branch for further processing.
• You are an Omani but your National ID is expired or not updated with us.
• You are an Expat/Foreign National but your Civil ID is expired or not updated with us.
• You are a Non-Resident.
• You are a FATCA customer.
• Your KYC details/documents are not updated with us.
• You are blacklisted customer.

This request will ensure that your debit card is enabled for ATM and POS transactions for the selected countries.

• Go to "Customer Service" option and select "Complaints Complaints & Enquiries" option.
• Select the "Area" of the complaint.
• Select the "Category" of the complaint.
• Select the "SubCategory" of the complaint.
• Select the "Issue" of the complaint.
• Click on Next.
• Enter all the mandatory fields.
• Click on Continue Button and verify the details.
• Enter the OTP and click on confirm.
• A success message and the Feedback ID will be displayed after successful submission of the request.
• Please make a note of the Feedback ID for all your future communication with Bank.

This service offers an instant Money transfer payment which is available 24/7.

• You can send money instantly within Meethaq and to any other banks by using mobile number, or alias of the beneficiary.
• You can request money from any of your beneficiaries using their mobile number and alias.
• You can accept payment requests for both types of transactions through the “Pending Requests” option.

Once you log in and choose the “Mobile Payment” option, click on “Manage”, then “Activate”. You will have to verify and enter the following details:

• Mobile Number registered with the bank
• Confirm the details, set your Alias and a default account linked to this service.
• Accept Terms and Conditions
• Enter the OTP displayed on your token.

During registration, you will have an option to choose a default account. This will be the main receiving account for transfers that are being made using the mobile number.

You can avail of the following services in Mobile Payments:

• A. Profile details.
• Activate/Deactivate profile.
• View/Modify your profile (Edit your alias, default and linked account.)
• B. Transfers
• Send Money

You can send money instantly to both Meethaq and other banks registered customers by using their mobile number or alias.

• Collect Money

This service allows you to request money by mobile number or alias.

In the case of a mobile number change, it will automatically be updated. You need update your mobile payment profile or deactivate and re-activate again with new mobile number.

Note: This service is only valid for local mobile numbers.

1. Bill Payment is a free online service which allows you to make payments to any of the listed billers from your Banking accounts.

• You can save your time and money by not having to go to the billers office.

You can pay bills to any of our listed billers

• Ooredoo Postpaid GSM/Telephone/Internet
• Ooredoo Top Up GSM
• Omantel Internet
• Omantel GSM
• Omantel Telephone
• Omantel Topup
• Awasar Internet
• OIFC Friendi Top up
• OIFC Electricity - Muscat (MEDC)
• OIFC Electricity - Mazoon (MZEC)
• OIFC Electricity - Majan (MJEC)
• OIFC Electricity - Rural(RAECO)
• OIFC Electricity - Dhofar (DPC)
• OIFC Prepaid Electricity Vouchers
• OIFC Water
• ONEIC Electricity
• ONEIC Water
• PASI – Civil
• PASI - Commercial
• Fees for Markaz Alisary School

• Log in to Internet Banking.
• Select the Transfers/Payments > Payments > Bill Payment option.
• Select the Bill Payments option.
• Choose between the option "Payment to New Biller" or "Payment to Registered Biller" if you want to make payment to a New Biller or to a biller which is already registered respectively.
• Enter the Biller Information you want to pay.
• Click on Validate Biller.
• Enter the payment details and confirm the transaction by entering the token OTP.

Yes, you can view the Outstanding due amount online for the Postpaid Billers services on click of Validate Biller available in the screen Bill Payments option, also upon successful payment of the below billers the outstanding amount will get reduced real time..

• OIFC Electricity - Muscat (MEDC)
• OIFC Electricity - Mazoon (MZEC)
• OIFC Electricity - Majan (MJEC)
• OIFC Electricity - Rural(RAECO)
• OIFC Electricity - Dhofar (DPC)
• OIFC Water
• ONEIC Electricity
• ONEIC Water
• Awasar Internet
• Omantel Internet
• Omantel Telephone
• Omantel GSM Postpaid
• Ooredoo Internet
• Ooredoo Telephone
• Ooredoo GSM Postpaid
• PASI – Civil
• PASI - Commercial

For all billers (other than the biller mentioned above) Please allow at least 2 to 3 days from the day of your payment date for the biller to receive your payment.

Yes. The service is free for the customers.

Yes. You can do a mobile Topup for any Ooredoo or Omantel by going to "Bill Payment" option and adding your friend details as a beneficiary.

On successful completion of the top-up transaction, you will receive a confirmation SMS from the service provider.

• To pay, simply click on Bill payments - >Pay my Credit Card Bill" and select the card you wish to pay.

• If you do an immediate payment to your credit card, the credit card statement will be updated immediately.

• Yes, you can pay credit card bills for any Meethaq credit card holder.
• Simply go to 'Bill Payment > Payment to Credit Card'.
• In Case you have already registered the credit card for payment just select it from the registered biller list.
• Else fill in the credit card information and confirm the transaction.
• Once your request is successfully submitted, your transaction will be processed. The credit card will be added under your Registered Biller List and you can make use of the same for all your future payments.

E-Commerce payment allows user to purchase various multimedia platform vouchers for Self or as a Gift using valid email address.

Yes, select the voucher you want to purchase and enter your friend’s email address in order for the voucher number to be sent to the entered email address

No, purchased vouchers are allowed to be used for one time only.

• Immediate transfer
• One - Time Future Dated Transfer.
• Recurring Transfers allowed.

• Immediate transfer
• One-time future date and recurring standing instruction transfers
• Charges of 0.500 OMR + VAT are applicable for future date and recurring transfers.
• For one-time future date and recurring standing instruction transfers 2 OMR + VAT will be taken as STO creation charge.

• Immediate transfer
• One-time future date and recurring standing instruction transfers applicable
• One-time future date and recurring standing instruction transfers 2 OMR + VAT will be taken as STO creation charge.
• Charges are applicable
• Charges of 1 OMR + VAT for up to 20,000 OMR transfer
• Charges of 4.250 OMR + VAT for over 20,000 OMR transfer
• Your account will be debited instantly and the Funds Transfer will be executed by the bank immediately in near real-time (i.e. in few minutes) including on Bank Holidays.

• Immediate transfer
• One time future date and recurring standing instruction transfers
• Charges of 15 OMR + VAT per transaction if the local and overseas charges are borne by you.
• Charges of 5 OMR + VAT per transaction if the local charges are borne by you and overseas charges are borne by beneficiary
• One-time future date and recurring standing instruction transfers 2 OMR + VAT will be taken as STO creation charge.
• Processing time
• For Eastern Currencies (AUD, SGD, JPY, NZD, HKD) is next working day
• For Non-Eastern Currencies processing will be done on the same day for the request received before 14:00 GST. For the request received after 14:00 GST processing will be done on Next working Day.

• Immediate transfer through mobile number
• Beneficiary has to be activated for Wallet payments.

• Immediate transfer
• Charges are applicable
• Charges of 1 OMR + VAT for up to 20,000 OMR transfer
• Charges of 4.250 OMR + VAT for over 20,000 OMR transfer

• Immediate transfer
• Within Meethaq and within Oman transaction allowed.
• Transfer same / different amount to more than one beneficiary at the same time.

• Immediate transfer through mobile number or alias.
• Beneficiary has to be activated for mobile payments, such as: Send money and collect money.

• You can schedule future-dated transfers to Own Meethaq Accounts, 3rd party Meethaq accounts, 3rd party local bank accounts, and International funds transfer up to 3 years in advance. Recurring transfers can be made at regular intervals, such as daily, weekly, monthly, Quarterly, Half yearly and yearly.

• Go to Transfers > Fund Transfers and select the relevant transaction type.
• Select the Transaction Date (dd/mm/yyyy) to any future date you wish to make the payment.
• Complete the remaining details to set up your One-time Future Dated Transfer.
• 2 OMR + VAT standing order creation charge is deducted immediately post the submission.

• Go to Transfers > Transfers and select the relevant transfer type.
• Select Recurring from the "Frequency Type" drop down field.
• Specify date when the transfer should start in the "Recurring Start Date" field.
• Specify the frequency of the transfer in "Frequency" field.
• Specify the Number of Installements of the transfer to be made in "Number of Installments" field.
• Complete the remaining details to set up your Recurring Transfer.
• 2 OMR + VAT standing order creation charge is deducted immediately post the submission.

• Go to "Transfers" > " Standing Instructions"
• Select “Current Standing Instructions” from the Instruction Status drop down and click search.

• Go to "Transfers" > "View Completed Standing Instructions"
• Select “Completed Standing Instructions” from the Instruction Status drop down and click search

• The foreign exchange rate displayed online is only indicative and it does not represent the actual rate that takes effect on any Cross Currency Transfers.
• The exchange rate is subjected to the Bank's prevailing exchange rate as of the date and time of processing.

• After the payment is made, you will be shown a receipt screen. This screen will contain a 'Transaction Status' title, which will display 'SUCCESS' in case of successful transactions and 'FAILURE' in case of failed transactions. This screen will also contain the transaction reference number. Please note this down and quote this in case of any transaction queries with Meethaq.
• You will be able to see the successful transaction appear in the mini/detailed statement.

• Yes, go to "Transfers" > "Standing Instructions"
• Select “Current Standing Instructions” from the Instruction Status drop down and click search.
• Click on Stop to continue.
• Make sure that you are stopping the Standing instruction 1 working day prior to the due date of the execution.
• Also keep in mind that if the due date of your Standing instruction falls on a holiday your account will be debited on the previous business day.

Older versions of the below mentioned browsers may experience problems in rendering the new Online banking and this may affect usability and certain functions.

• The following specifications are the minimum essential requirements for getting started with Online Banking:

Personal Finance Management (PFM) enables Internet banking customers to manage their finances

• By keeping tracking of and Analyzing incomes.
• By making plans about spending and incomes.
• Through automatic categorization of all transactions.
• Helps you budget and manage your finances.
• It allows you to see your balances and transactions all in one place. It is available for free through Internet banking.

• Log in to your Internet banking and navigate to Personal Finances.
• Financial Overview screen will show the full financial picture of your Assets and Liabilities.
• Income – Expense screen will allow you to review the Transactions and categorize, create budgets based on your actual spending history.

• On click of Income - Expense Overview all your transactions are auto-categorized.
• When you change the transaction category, Personal Finance Management will remember your preference for next time.

• Go to Manage Budgets -> Set New Budget.
• Select the appropriate Category type & Value.
• Select the frequency
• Select the month & year you wish to budget.
• Enter the Budget amount
• Click Save after filling all the details

• Go to Manage Budgets.
• Select appropriate Month
• Click on Edit option against the budget under Expense or Income tabs as per your wish.
• Select the frequency
• Select the month & year you wish to budget.
• Edit the Budget amount.
• Click Save after filling all the details

• Go to Manage Budgets.
• Select appropriate Month
• Click on Delete option against the budget under Expense or Income tabs as per your wish.
• Click yes to delete the budget.

• This chart will show the summary of what you spent and earned in the last month..
• You can however change the option to last 3 months and 6 months.

• Transactions are automatically categorized for you in Income/Expense analysis Chart, in case you feel that they are not accurate you can re-categorize the transaction.
• Under Income/Expense analysis chart, click on Right Arrow of any Category that you wish to change.
• Once you get list of the transactions, click on ‘Edit’
• Create custom tags to label transactions, select the correct category from the drop down list.
• Click submit to save the details.

• Click on Right Arrow present Under Uncategorized Transaction.
• Once you get list of the transactions, click on ‘Edit’ and select the correct category from the drop down list.
• Click submit to save the details.

You can download the registration form from the "Register Now" or “Forms repository” option available on Meethaq Corporate Internet Banking Login Screen. Alternatively, please call your Relationship Manager for assistance with the registration forms.

An Initiator is a user who can initiate transactions on Corporate Internet Banking. These transactions will also need to be authorised by an Approver(s) before being submitted for processing.

An Approver is a user who can authorise a transaction to be processed by Corporate Online Banking. Once the Approver has authorised the transaction, the request will be processed based on the Transaction date inputted in the transaction.

There is no limit on the number of Initiators you can request.

Corporate Online Banking can support sole or multiple authorisations with different limits, for all requested transactions. The number of authorises depends on your preferences, and your account mandate.

• There are no extra charges for usage of Internet Banking.
• However, normal product fees and transaction related charges continue to apply.

Yes. This service is available 24 hours a day, 7 days a week.

If you are having Trouble Logging-in, It may be because of one of the following reasons

1) You are entering incorrect Corporate ID or User ID.

2) You are entering incorrect Password.

3) Your User ID may be disabled.

4) Your Secure Token may be locked due to 5 invalid attempts of PIN entry.

5) Your token may be Lost/Stolen

• To know your Corporate ID or User ID (1), Please write to us at meethaqcorporate@bankmuscat.com
• To reset your password (2) or Enable Your User ID (3) or Enable Your Secure Token (4); please visit your branch to request for the same.

• Yes, you can change your password using the option "My Profile > Change Password" anytime to ensure security.
• When changing your Password make sure that you set up something that no one could guess. You must memorize your Password and never write it down.
• These important steps will prevent unauthorized individuals from accessing your financial information.

1. Minimum length of the password should be of 6 characters.

2. Maximum length of the password cannot exceed 28 characters.

3. Password should be a combination of alphabets and numbers.

4. History of last 3 passwords should not be repeated.

5. Spaces are not allowed in between Password.

• You will receive an error message if you enter an invalid password.
• You have 5 attempts to enter the correct login password. Entering wrong password on 5th time will lock your User ID

• Yes. You can see a summary of your company position at one go under "Summary" screen once you have logged-in to Online Banking.
• Summary screen gives you a consolidated snap shot of the complete banking relationship that you have with Meethaq

Yes, you can view the latest transaction or historical transactions belonging to all your

• Accounts
• Deposits
• Purchase cards
• Trade products

Yes, you can download your transactions for the following products into PDF or XLS format using the option "Download Details As" to save the information for your tracking.

• Current Account.
• Purchase cards
• Deposits
• Trade products

• Go to Accounts->Current Accounts.
• Click the option "Detailed Statement" to see the transaction using date filter. or Last N Months Filter. Or
• Click the option "Mini" to see your last 10 transactions.

• The two balances that appear on your account details screen are your Account Balance and Available balance.
• Account Balance shows how much total money you have in your account now.
• Available Balance shows how much money you can take out of your account immediately (excluding the blocked amounts).

Yes, You can go to Accounts > Trade Products and see the Outstanding Balance of all trade products.

• Go to Accounts->Deposit Accounts
• Click the option "Transaction History" against your deposit to see all transactions.

• Purchase Card Outstanding Balance enquiry
• Purchase Card Details
• Purchase Card Transaction History
• Purchase Card Payment
• Purchase Card Billed statement

• You can now view the transactions performed on your Purchase Card.
• All you need to do is to click on ' Transactional History' under Purchase Card Summary and key in the period of the transactions you want to view.

• Click Accounts > Purchase Cards
• Click on Billed Statement against the card for which you wish to generate a statement.
• Select an appropriate Billing Date and Click on ‘Go’ to get the list of transactions.
• Select "Download details as -> PDF" option if you wish to download or save the account statement as PDF file.

• Go to Accounts > Purchase Cards Summary and click on Purchase Card Number
• You can see the details related to Total Credit Limit, Available Credit Limit, Payment Due Date, Minimum Payment Amount, Amount Overdue etc

Secure Mailbox is an email service that enables you to send enquiries or comments to us securely and confidentially.

Mailbox feature menu allows you to:

• Check your inbox for received mails
• Send a Mail
• Reply to a Mail
• Delete a Mail

When you receive a Mail from the bank a number indicator will be displayed in the option "Mailbox" indicating that you have new messages.

Please refer the Subject drop-down list provided when you compose an email to the Bank. You can submit enquiries or requests related to Accounts, Purchase Cards, Statements, Cheque Books and Internet Banking Services or provide general feedback.

For security reasons, it is not recommended to attach files or images with the secure mail message. Likewise, attachments will be avoided in bank responses.

The Bank will respond to all enquiries, feedback and requests within 3 working days.

No. For security reasons, we do not accept any instruction relating to financial transactions through the Secure Mail Box.

You can either compose an email and send to us via the Secured Mailbox or email us at meethaqcorporate@bankmuscat.com

• You can customize your Online Banking welcome message by entering your preferred name in the "Nick name" field available in the option "My Profile -> Set Preferences".
• Your personalized welcome message will appear on each page within Internet Banking. Follow the guidelines below for entering your greeting:

• Enter any name up to 30 characters, including spaces, in the field provided.
• Select the Next button to confirm your changes.
• Please logout after setting up of your Nick name and re login. Your custom greeting will appear immediately in the Overview page within Internet Banking.

Yes, you can give nicknames to your accounts for easier tracking and monitoring. Select "My Profile > Set Preferences” and Choose the edit function to give a suitable nick name for the desired accounts.

The Account number selected here will appear on the top of the list while initiating any transactions. You can choose the primary account number through the option "My Profile->Set Preferences" by clicking on the star icon present against the account number.

You can set your favorite accounts through the option "My Profile->Set Favorite Account". Accounts will be listed in the same order in Account Summary, Transfers and payments.

When you are finished with your Internet Banking session, you should log out using the Log Out button at the top right-hand side of the screen and close your browser window. For added security, if you are inactive for 10 minutes, the session will automatically log you out.

It is a small device the size of a half credit card which is designed to provide you with additional protection for your Online Banking Transactions. It provides an extra layer of security to your Internet Banking to help prevent frauds internet attacks.

• If you have requested for transaction access bank will issue the Secure Token Kit.
• Once you receive the Secure Token Kit from the branch based on your acknowledgment bank will activate your Secure Token.

• You will need to submit the additional services form duly filled.
• Bank will take 3 working days to activate your Secure Token
• SMS & Email will be sent on your registered mobile number & Email ID upon activation of Secure Token.
• On receipt of SMS & Email, you can use your Secure Token for performing all transactions.

Please click here to see the complete features of Secure Token.

Yes, you can carry your Secure Token along with you when traveling overseas and access all our Internet Banking services anywhere, any time.

No. The Secure Token will be issued to you free for the first time as part of our commitment to our customers.

You will need to apply for a replacement Token by visiting your Meethaq branch. A nominal charge will be applied for the same.

The Secure Token comes with auto-power off feature. There is no need to power off the Secure Token.

You can now open a Fixed Deposit online through Meethaq Internet banking, Simple go to Customer Service > Service Request > Accounts > Open a Fixed Deposit

• Enter the Deposit Amount
• Choose the tenor of your Fixed Deposit.
• Select the account from which funds will be used to open your Fixed Deposit Account and click on Continue.
• Select the appropriate Renewal Instruction details and click on Continue.

You will now be displayed a summary of all the details entered by you.Enter the OTP generated on your Secure Token and Click on 'Submit' to open your Fixed Deposit.

You can open a Fixed Deposit with a minimum of RO 1000.

• If you would like to know the latest tenors and profit rates offered by Meethaq for Fixed Deposits, click on 'Fixed Deposit Profit Rate calculator'.
• The calculator provides indicative rates of the maturity value. Rates are subject to change from time to time.
• For additional terms and conditions please visit the nearest Meethaq branch for details.

• In case you want to pre close the deposit or change your maturity instruction, please visit your Meethaq branch and provide a written request.

• You can give a request for cheque book online through "Customer Service -> Service Requests ->Accounts->Request a Cheque Book".
• Your request will be processed in 3 working days

Yes you can. Go to the "Customer Service >Service Requests >Purchase Cards " option and select the "Block Purchase Card" Section.

• Yes, you can go to My Profile > Change User ID, you will receive OTP on your mobile number that is registered in the bank to proceed. Once done, you will receive SMS and Email confirming your User ID has been changed successfully.

• Yes, you can go to My Profile > Change Password, you will receive OTP on your mobile number that is registered in the bank to proceed. Once done, you will receive Email confirming your password has been changed successfully.

• Go to View Approval Queue->Service Request where you can see the listing of all Service request which are pending.
• Click on the Service request to continue approving till successful submission of your request.

Bill Payment is a free online bill pay service which allows you to make payments to any of the listed billers from your Banking accounts.

• You can save your time and money by not having to go to the biller's office.

You can pay bills to any of our listed billers

• Ooredoo Internet
• Ooredoo GSM
• Ooredoo Telephone
• Ooredoo Top up
• Omantel Internet
• Omantel GSM
• Omantel Telephone
• Omantel Top up
• Awasar Internet
• OIFC Friendi Top up
• OIFC Electricity - Muscat (MEDC)
• OIFC Electricity - Mazoon (MZEC)
• OIFC Electricity - Majan (MJEC)
• OIFC Electricity - Rural(RAECO)
• OIFC Electricity - Dhofar (DPC)
• OIFC Prepaid Electricity
• OIFC Water
• ONEIC Electricity
• ONEIC Water
• PASI – Civil
• PASI - Commercial
• Fees for Markaz Alisary School

• Log in to Internet Banking.
• Select the Bill Payment option.
• Choose between the option "Payment to New Biller" or "Payment to Registered Biller" if you want to make payment to a New Biller or to a biller which is already registered respectively.
• Enter the Biller Information you want to pay.
• Click on Validate Biller.
• Enter the payment details and confirm the transaction

• Go to View Approval Queue > Billers where you can see the listing of all Biller registrations which are pending.
• Select only the record having the status as "Pending for My Approval"
• Click on "Approve" button to continue till successful submission of your request.

• Go to View Approval Queue > Payments where you can see the listing of all transfer/Bill payment transactions which are pending.
• Select the record having the status as "Pending for My Approval" and Click on "Approve" button to continue till successful submission of your request.

Yes, you can view the Outstanding due amount online for the below Billers on click of ‘Validate Biller’ available in Bill Payment initiation screen, also upon successful payment of the below billers the outstanding amount will get reduced real time..

• OIFC Electricity - Muscat (MEDC)
• OIFC Electricity - Mazoon (MZEC)
• OIFC Electricity - Majan (MJEC)
• OIFC Electricity - Rural(RAECO)
• OIFC Electricity - Dhofar (DPC)
• OIFC Water
• Omantel Internet
• Omantel Landline
• Omantel GSM Postpaid
• Ooredoo GSM Postpaid
• Ooredoo Landline
• Ooredoo Internet
• Awasar Internet
• PASI – CIVIL
• PASI - COMMERCIAL

Yes. The service is free for the customers.

Yes. You can do a mobile Top-up for any Ooredoo, Omantel or Friendi by going to "Bill Payment" option.

On successful completion of the top-up transaction, you will receive a confirmation SMS from the service provider.

• Yes, you can pay any Meethaq credit/purchase card holder bills.
• Simply go to 'Bill Payments > Payment to Credit card'
• In Case you have already registered the credit card for payment just select it from the registered biller list.
• Else fill in the credit card information and confirm the transaction.
• Once your request is successfully submitted, your transaction will be processed. The purchase/credit card will be added under your Registered Biller List and you can make use of the same for all your future payments.

You can schedule future-dated transfers up to 3 years in advance. Recurring transfers can be made at regular intervals, such as daily, weekly, monthly, Quarterly, Half yearly and yearly.

• Go to Transfers > Fund Transfers and select the relevant transaction type
• Select the Transaction Date (dd/MM/yyyy) to any future date you wish to make the payment.
• Complete the remaining details to set up your One-time Future Dated Transfer.

• Go to Transfers > Fund Transfers and select the relevant transfer type.
• Select Recurring from the "Frequency Type" drop down field.
• Specify date when the transfer should start in the "Recurring Start Date" field.
• Specify the frequency of the transfer in "Frequency" field.
• Specify the Number of Installements of the transfer to be made in "Number of Installments" field.
• Complete the remaining details to set up your Recurring Transfer.

• Go to View Approval Queue > Beneficiaries where you can see the listing of all beneficiary registration which are pending.
• Select only the record having the status as "Pending for My Approval"
• Click on "Approve" button to continue till successful submission of your request

• Go to View Approval Queue > Payments where you can see the listing of all transfer/Bill payment transactions which are pending.
• Select the record having the status as "Pending for My Approval" and Click on "Approve" button to continue till successful submission of your request.

• This error occurs if you do not have enough transaction limit for the day.
• Your limit is consumed on successful initiating or Approving of transaction for the day.
• Please check the available limits under Transfers> Transaction Limit inquiry option.

• Go to "Transfers > Standing Instructions"
• Select “Current Standing Instructions” from the Instruction Status drop down and click search.

• Go to "Transfers >Standing Instructions"
• Select “Completed Standing Instructions” from the Instruction Status drop down and click search

• The foreign exchange rate displayed online is only indicative and it does not represent the actual rate that takes effect on any Cross-Currency Transfers.
• The exchange rate is subjected to the Bank's prevailing exchange rate as of the date and time of processing

• After the payment is made, you will be shown a receipt screen. This screen will contain a ' Transaction Status' title, which will display 'SUCCESS' in case of successful transactions and 'FAILURE' in case of failed transactions. This screen will also contain the transaction reference number. Please note this down and quote this in case of any transaction queries with Meethaq .
• You will be able to see the successful transaction appear in the mini/detailed statement as well as in Transaction History screen.

• Yes, go to "Transfers > Standing Instructions"
• Select “Current Standing Instructions” from the Instruction Status drop down and click search.
• Click on Stop to continue.
• Make sure that you are stopping the Standing instruction 1 working day prior to the due date of the execution.
• Also keep in mind that if the due date of your Standing instruction falls on a holiday your account will be debited on the previous business day.

You can view your daily transaction limit through the Option Transfers> Transaction Limit Inquiry" after you have logged in to your Internet Banking.

Bulk transaction processing allows the users to conveniently make multiple transactions through a single file upload. The important features of bulk transaction processing are as follows:

• The users can initiate bulk transactions to other Meethaq accounts. There will be one debit transaction on the debit account and credit transactions on the beneficiary accounts.
• In case of bulk transfers to Non Meethaq accounts within Oman, the system automatically decides the transfer option ACH or RTGS, depending on the amount per transaction and the beneficiary bank.
• All bulk transfers are essentially scheduled payments. The approvals for the bulk transfers should be done in advance before the scheduled date for the system to process the bulk transfer instruction.

• Login to Meethaq Internet Banking and go to File Upload Option.
• Download the excel file "Within bank sample file" if you want to process within bank payment types.

Or

• Download the excel file "WPS Salary Payment" if you want to process WPS salaries.

Or

• Download the excel file "Other bank sample file" if you want to process other bank payment types.
• File can be uploaded in .XLS, .XLSX & .CSV formats and could be updated only using notepad++.

• Login to Meethaq Internet Banking and go to File Upload Option.
• Select your relevant Product type.
• Select the debit account (Same Account available in the file), enter the total transfer amount, total credit records and remarks (optional).
• Browse and attach file and click on continue button
• Enter the OTP generated on your Secure Token and Click on 'Submit'.
• You will receive a confirmation message and the request will be sent to the approver.

Kindly note that, only if all the approvers accept the request by approving the transaction, shall the request be sent for processing. If any approver rejects the transaction, then the payment will not be processed.

• Login to Meethaq Internet Banking.
• Go to File Upload > Approve/Rejected Uploaded files.
• Select the record which you want to approve and click on " Approve" button and continue till successful submission of your request.

File processing cut-off time(where value date is the current date)

WPS Files

• All outside Meethaq salary requests will be processed the same day.
• All salary credits which are within Meethaq received on working days before 10:00 PM will be processed the same day. Requests received on working day after 10:00 PM, will be processed on the next working day.

Non-WPS files

• Outside Meethaq salary requests - file will be processed the same day.
• 'Within Meethaq' files uploaded after 10:00 PM - file will be processed on next working day.
• All within Meethaq files should be uploaded and approved at least a day in advance of the Processing date.
• All within Meethaq salary requests - Requests received on working days before 10:00 PM will be processed the same day. Requests received on working day after 10:00 PM will be processed on the next working day.

Go to "File Upload > View File Upload details" in that screen if the status of the file which got uploaded is still shown as "Execution in Progress" after 1 working day from the processing date. Please contact your relation manager or write to us at meethaqcorporate@bankmuscat.com

• If your file has been processed successfully but with rejected transactions, the reversal amount will be automatically credited back to your account

• Go to "File Upload > View File Upload details"
• Click on File Number hyperlink and then click on "View Failed Transactions"
• You may see the reason for rejection.
• You can then re-initiate the same transaction or enter a fresh payment, as long as the reason for rejection has been addressed.

Beneficiary Upload allows the users to conveniently add beneficiaries (Within Meethaq and Within Oman) through a single file upload. The important features of beneficiary upload are as follows:

• The users can add beneficiaries that exist within Meethaq or within Oman.
• In order for beneficiary to be added, the request of beneficiary upload has to be authorized.

Older versions of the below mentioned browsers may experience problems in rendering the new Online banking and this may affect usability and certain functions.

• The following specifications are the minimum essential requirements for getting started with Internet Banking: